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Our typical outline is below:

One underlying theme of all the students who have graduated… What they believed was “clear bad faith”, was nowhere close. Typically it boils down to one reason why. The insured, nor their representative, performed under the contract of insurance. Without full performance under that contract, by the insured, not the insurance carrier, bad faith will be very hard to obtain. Why we do not see all the “Bad Faith Verdicts”. The coverage was never triggered, and the carriers duties were limited to acknowledging, which the claim number does, and the BEGINNING of the investigation. Why the emphasis? The carrier cannot complete that investigation until the insured provides the contractually required performance accompanied with the correct documentation. That part, contrary to what we see, was never supposed to be done by the carrier… they are the ones who owe the money…

See you in Camp.

We are hunkered down in Florida and have been since Hurricane Ian. We have a wonderful facility that is larger than Galveston, remodeled with you, the student in mind. The next six camps, at least, will all be here, in the middle of the war zone. While we hit on Florida, hard… it is the same wherever you are, as long as you remember the process we teach is based entirely off that Tripod… You need all 3 legs to stand straight, to fend off attackers, and see the claim clearly.   We teach all of that, from starting the claim… to closing it out, regardless of what the carrier does, or does not do.   (We will also be adding additional specialty classes. Estimating, Demands/Complaints, Roof Speeds/Manufacture Identification, Doors/Windows)   We teach a diverse, national audience. What we attempt to teach spans that process and attempts to incorporate universal practices that are not central to any particular state, but a road map to any of them.

CORRECT PROOF OF LOSS DOES NOT FLUCTUATE, UNLESS THE FACTS DICTATE. SECOND PART OF THAT, WE, NOR THE ATTORNEYS, HAVE THE POWER TO “SETTLE” A CLAIM. ONLY THE INSURED HAS THAT RIGHT. FOLLOW UP TO THAT, AND REASONING… DOES THE INSURED UNDERSTAND WHAT WAS REMOVED, HOW IT AFFECTS THEM, AND WHAT ARE THE LONG TERM CONSEQUENCES ON ONE OF THEIR LARGEST, MOST COVETED POSSESSIONS? IF YOU THREW DOOKIE ON THE WALL, AND DEMANDED ITEMS THAT WERE NOT… “REASONABLE OR NECESSARY”… THAT IS A WHOLE DIFFERENT CONVERSATION.


IF WE ARE TO EXPECT PROFESSIONALISM, ETHICS, AND DUE DILIGENCE, WE MUST BE PREPARED TO GIVE THOSE THINGS, AND MORE. ONE OF THE STRONGEST PRINCIPLES WE TEACH, IS TO EXPECT EXACTLY WHAT YOU GIVE. THAT STARTS BY NOT CALLING THE PROCESS OF HANDLING INSURANCE CLAIMS A “GAME”. IT IS NOT A GAME, AND NOT SOMETHING TO BE WON. SUGGESTING IT IS, IS TRIVIALIZING THE VERY EXISTENCE OF THE INSURANCE, THE SACRIFICES MADE TO HAVE IT, AND KEEP IT, AS WELL AS THE TRAGEDY THAT BEFALLS AN INSURED AFTER A LOSS. IF YOU DO IT, YOU ALLOW THEM TO DO IT.

 
I CANNOT RECALL A SINGLE THING I HAVE LOST BY KEEPING THIS PHILOSOPHY. I CAN, AND WILL TEACH YOU EVERYTHING I CAN ABOUT WHAT IS HAS GIVEN ME. MELANIE AND SHAUN WILL DO THE SAME. THAT I KNOW OF, ALL PAST GRADUATES FEEL THE SAME… WE WANT… NO NEED TO SEE YOU PERSEVERE WHEN THE ODDS ARE AGAINST YOU, AND YOUR BACK IS UP AGAINST THE WALL, YOU WILL NO LONGER BE ALONE. NOT ONLY US… A SMALL ARMY HAS ALREADY GRADUATED.


WE ARE, AFTERALL, PRACTITIONERS, NOT ACADEMICS. WE MUST MAKE SURE NOT TO HARM OUR CLIENTS WHILE TRYING TO HELP THEM.


ZOOM… WE WILL DO ZOOM AGAIN ON THIS ONE CLASS, WITH STRICT RULES, AND AN UNDERSTANDING THAT YOU DO NOT GET ACCESS TO THE FULL GRADUATE’S NETWORK UNLESS YOU ARE PRESENT THE WHOLE TIME.


THERE WILL BE ONLY (2) TWO ZOOM PARTICIPANTS, THEY WILL BE UNMUTED UPON ENTRY, AND REMAIN THAT WAY. (UNLESS FOLKS ARE IN AND OUT, DOING LAUNDRY, AND THE LIKE, COMING IN AND FORCING CLASS TO REVISIT. IT IS AS SIMPLE AS THAT.)


PRICE WILL BE THE SAME. THERE ARE NO DISCOUNTS FOR TAKING CAMP VIA ZOOM.
NO RECORDING. PERIOD. EVERYONE DESERVES TO SPEAK FREELY, AND WITHOUT FEAR OF A RECORDING, TAKING SOMETHING ENTIRELY OUT OF CONTEXT, AND USING IT. PART 2 OF THAT, WE CANNOT RESPOND TO A SUBPOENA TO PRODUCE A VIDEO THAT DOES NOT EXIST.


WE HAVE ANOTHER NETWORK THAT IS GROWING, IT IS FOR THOSE WHO HAVE COMPLETED AN ONLINE CLASS THROUGH ANYTHING THE PABC DOES.


ZOOM PARTICIPANTS WILL STILL RECEIVE A CERTIFICATE OF COMPLETION, IT WILL JUST BE VIA ZOOM.


THE CLASS IS MADE UP OF THREE PARTS.


EVERYDAY SHAUN HODGE IS IN LEGAL MODE FROM 8 AM TO 10 AM.
MELANIE TAKES OVER FROM 10 AM – NOON WITH CONTRACTS/ADMINISTRATIVE/FRONT OFFICE.
I, CAL, TAKE THE HELM FROM 1 PM TO 5 PM WITH POLICY, AND ACTUAL PRACTICE.


While our specific class topic may have one focus, the class will go over all the items listed below, just not necessarily in that order. (Why we don’t offer CE’s. We can, it is just scripted, with no variance, and not a ton of actual practice.) We combine them for everyday use in our field, to everyday issues you have in the field. We are you… I have no idea what the text of the previous post was… so I didn’t try to recreate it… just like a claim. Simply explained my issue, acknowledged that issue, and started over.

If you would like to sponsor a Veteran, just reach out to us. Below is the general syllabus. I say general because the class normally takes on a life of its own, based upon the class as a whole. While we are certified to teach the full 24 hour class for CE, no one has ever chosen it over the nuts and bolts, so we are no longer using it as an option. It will come back later in individual modules. Our Texas State Credentials, found @ hyper-link below. Registered Provider: Public Adjuster Boot Camp LLC – Melanie Spoon, Shaun Hodge, and Cal Spoon Texas Registered Provider Number: 160583 Type of Study: Classroom Location 902 51st Street, Galveston, Texas 77551 Course length: Course will be five consecutive days, beginning Monday. Course will be eight hours per day, for a total of 40 hours. We understand that the minimum requirement for our profession is 24 hours. We are not trying to reach the minimums, we are going to exceed them, thereby assuring that anyone who has attended, and passed, will be more than capable of performing the duties of a Licensed Public Insurance Adjuster. 

 

Daily Schedule Time                                       Activity                                              Classroom Hours

08:00 am – 10:00 am             Ethics and Law                                   2.0 hours

10:00 am – 10:15 am            Morning Break

10:15 am – 12:00 pm             Policy and Interpretation                    1.45 hours

12:00 pm – 12:30 pm            Lunch

12:30 pm – 02:45 pm            Policy and Interpretation                    2.15 hours

02:45 pm – 03:00 pm              Afternoon Break

03:00 pm – 05:00 pm              Application of lesson to a claim         2.0 hours

THE FOLLOWING COURSE TOPICS AND DISCUSSIONS WILL BE GONE THROUGH, THOROUGHLY, BEGINNING TO END FOR THE ETHICS AND LAW PORTION:


Texas Prompt Payment of Claims
Timelines

Claim Acknowledgment

Acceptance/Rejection/Additional Information Request

Payment of claim

Court decisions on Texas Prompt Payment of Claims

Ethical duties in adjusting a claim and submitting documents on behalf of an insured.
Insurance Fraud

Recoverable Depreciation

Prior loss history

Duty to fully investigate

Sworn Proof of Loss

Examination Under Oath

 

Texas Insurance Code Chapters 541 & 542
Duty of Good Faith and Fair Dealing

Unfair Claims Settlement Practices

Deceptive and false information regarding policy coverage.

Statutory Bad Faith

False, misleading information, failure to disclose known facts impacting the claims adjustment

Recent court decisions interpreting Chapters 541 & 542

 

Public Adjusting 101
Public Adjuster Rules

Public Adjuster Obligations

Ethical and Legal Requirements of Public Adjusters

Conflicts of Interest and prohibited conduct

Unauthorized Practice of Law

Unauthorized Practice of Public Adjusting

 

Recent appellate decisions concerning Public Adjusters and the appraisal process
Public Adjuster liens

Endorsement of claims check (fiduciary duties)

Rights of Public Adjusters

Interpretation of appraisal provisions (competent and independent)

Survival of bad faith and prompt payment of claims post appraisal

Allowed compensation of appraiser’s expert witness

 

THE FOLLOWING COURSE TOPICS AND DISCUSSIONS WILL BE GONE THROUGH, THOROUGHLY, BEGINNING TO END FOR THE GENERAL KNOWLEDGE PORTION:


Insurance fundamentals – Updated 03/03/2018
Insurance Defined & the Principle of Risk

Elements & Characteristics of Insurance Contracts

Important Terms Pertaining to Insurance Contracts

The State Insurance Department

 

Insurance Companies – Updated 01/19/2018
Insurance Companies – Classifications

Insurance companies – Agents, Producers, Brokers

 

Property Insurance Concepts – Updated 03/08/2018
Property Insurance Concepts

Loss Valuation & Settlement methods

 

Liability Insurance Concepts – Updated 01/05/2018
Liability Insurance Concepts- Updated 01/05/2018

 

Unfair Claim Settlement Practice Act – Updated 10/23/2017
Unfair Claim Settlement Practice Act – Updated 10/23/2017

 

Standard Fire Policy
Standard Fire Policy- Module A

The Standard Fire Policy – Module B

 

Dwelling Insurance
Dwelling Insurance – A

Dwelling Insurance – B

Dwelling Insurance – C Dwelling Insurance – D

Dwelling Insurance – E

 

Homeowners Insurance Texas – Updated 3/28/2018
Eligibility & Definitions

The Homeowner Forms

Exclusions; Section I in Detail

Exclusions; Limits of Liability; Coverage D

Additional Coverages

Section I – Property Conditions

Section II – Liability Coverages and Exclusions

Liability Exclusions and Additional Coverages

Section I and II Conditions

 

Personal Inland Marine Insurance
Personal Inland Marine Insurance

 

Personal Watercraft & Yacht Policies – Updated 7/27/2017
The Personal Watercraft & Yacht Policies – Updated 7/27/2017

The Yacht Policy – 7/27/2017

 

Insurance Claims Adjusting
Introduction to Claims Adjusting – Updated 11/01/2017

Adjusting Insurance Claims — Updated 11/01/2017

 

Adjusting Property Loss Claims – Updated 03/02/2017
Adjusting Property Loss Claims – A

Adjusting Property Loss Claims – B

 

Texas Public Adjuster Law
Texas Public Adjuster Law – Updated 08/03/2018

 

Personal Automobile Insurance
Personal Auto Policy, Eligibility, Rating Factors

Part A Liability Coverage and Exclusions

Part B Medical Payments; Part C Uninsured Motorist; Part D Coverage for Damage to your Auto

Limits of Liability; Parts E and F Conditions; Other Provisions; Endorsements

 

Commercial Package Policies & The Business Owners Policy – Updated 11/10/2017
Introduction to Commercial Package Policies and the BOP

BOP Eligibility and Coverages

Additional Coverages; Extensions of Coverage

Liability Coverage; Optional Coverages and Endorsements

 

Commercial Property Insurance – Updated 6/1/2017
Introduction to Commercial Property Insurance

Property not covered

Commercial Property Conditions

Cause of Loss Forms

Business Income (Time Element)

Miscellaneous Property Forms and Endorsements

 

Equipment Breakdown Coverage
Coverages and Extensions

Deductibles, Endorsements, Exclusions

 

Umbrella & Excess Liability Coverage
Personal and Commercial Insurance

 

Commercial Inland Marine Insurance
Commercial Inland Marine

Commercial Property Floaters Risks

Bailee Forms and Dealers Policies

Loss Conditions

Conditions (cont.); Exclusions

 

Ocean Marine Insurance
Introduction to Ocean Marine Insurance; Implied Warranties

Hull Coverage

Cargo & Freight Insurance; Ocean Marine Forms, Perils & Exclusions

Ocean Marine Claims Handling and Payment of Premium

Aviation Insurance
Aircraft Hull Policies, Aircraft Liability Coverages, Definitions

Admitted Aircraft Liability, Hangar keeper’s Liability, Exclusions

Bonding & Surety – Updated 06/01/2017
Bonding & Suretyship, Fidelity Bonds and Surety Bonds

Contract Surety Bonding and Financial Institution Bonds

 

We have administrative rights to all tests and scores taken, and can submit those, as needed by the department, to confirm the effectiveness, participation, and general amount of time spent by time logged in, and tests taken. (Attendance, roll call, and exit.)


Insurance-Schools.com incorporates any new legislation affecting the rules that govern us, as you can see, all versions above carry the latest updates.
We used the very same program to obtain our initial Texas license, and have used them whenever necessary to obtain licensure in other states.


Students who have taken and successfully completed our course should be able to read and understand common policy language and conditions. This would include exclusions, endorsements, and claim filing procedures. After each 6-hour class day, there will be an additional 2 hours dedicated to the open discussion, and actual application, based off our collective knowledge in the field. This equivalates to 40 actual classroom hours, more than the required 24. Finally, if the student is not already licensed, that student should be able to schedule, take, and pass the exam provided by Pearson VUE, then be capable of performing their duties once a license is obtained. We look forward to helping insurance professionals maintain the highest standards possible, by raising those very standards.

 

CANCELLATION – REFUND POLICY All cancellations must be received in writing on or before the 14th day prior to the commencement of the course.    Cancellations requests received in writing on or before the 14th day will result in a refund of the registration fee less a 20% administrative charge.   Any cancellations less than 14 days prior to the course will result in the forfeiture of the registration fee.     Cancellation requests must be made in writing to the registrar at Public Adjuster Boot Camp Attention: Melanie Spoon at 902 51st Street, Galveston, TX 77551-4110.

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